FDIC Certificate #: 25086 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First National Bank of Central California (#25185) Federal Reserve ID: 199762 Date Established: April 04, 1984 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 4 (Interstate: No) FDIC's unique #: 17362 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: April 04, 1984 Last Structure Change Effective Date: August 01, 2000 Last Structure Change Process Date: September 11, 2000 Last Data Update: September 11, 2000 Data Source Date: April 05, 2012
Location
Address: 300 Tres Pinos Road, Hollister, CA 95023 County: San Benito Quarterly Banking Profile Region: San Francisco FDIC Geographic Region: San Francisco FDIC Supervisory Region: San Francisco FDIC Field Office: Sacramento Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488) Core Based Statistical Area (CBSA): San Jose-Sunnyvale-Santa Clara, CA (#41940) CBSA Metro Statistical Area: San Jose-Sunnyvale-Santa Clara, CA (#41940)
Financial Summary
Total assets: $200.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
81Total employees (full-time equivalent)
$200,999Total assets
$13,079Cash and due from depository institutions
$2,555Interest-bearing balances
$59,014Securities
$9,640Federal funds sold & reverse repurchase agreements
$106,386Net loans & leases
$1,768Loan loss allowance
$0Trading account assets
$2,337Bank premises and fixed assets
$0Other real estate owned
$85Goodwill and other intangibles
$0Life insurance assets
$10,458All other assets
$200,999Total liabilities and capital
$182,531Total liabilities
$181,238Total deposits
$144,806Interest-bearing deposits
$181,238Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$17Other borrowed funds
$0Subordinated debt
$1,276All other liabilities
$18,468Total equity capital
$18,468Total bank equity capital
$18,468Perpetual preferred stock
$0Common stock
$15,628Surplus
$0Undivided profits
Memoranda
$2,840Noncurrent loans and leases
$35,413Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,109Earning assets
$0Long-term assets (5+ years)
$655Average Assets, year-to-date
$177,595Average Assets, quarterly
$34,153Volatile liabilities
$187,193Insider loans
$200,502FHLB advances
$41,415Loans and leases held for sale
$2,304Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,315Total risk weighted assets
$35,413Total unused commitments
$0Restructured Loans and leases
$1,762Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$14,206Total interest income
$4,619Total interest expense
$9,587Net interest income
$700Provision for loan and lease losses
$1,750Total noninterest income
$0Fiduciary activities
$705Service charges on deposit accounts
$0Trading account gains & fees
$1,045Additional noninterest income
$7,193Total noninterest expense
$3,883Salaries and employee benefits
$1,226Premises and equipment expense
$2,084Additional noninterest expense
$3,444Pre-tax net operating income
$18Securities gains (losses)
$1,203Applicable income taxes
$2,259Income before extraordinary items
$0Extraordinary gains - net
$2,259Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$135Sale, conversion, retirement of capital stock, net
$496Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.52%Yield on earning assets
2.77%Cost of funding earning assets
5.75%Net interest margin
1.05%Noninterest income to earning assets
4.31%Noninterest expense to earning assets
1.20%Net operating income to assets
1.21%Return on assets (ROA)
1.85%Pretax return on assets
13.16%Return on equity (ROE)
10.27%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
518.52%Credit loss provision to net charge-offs
30.70%Efficiency ratio
63,447Assets per employee
2.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.96%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
83.83%Noncurrent assets plus other real estate owned to assets
1.05%Noncurrent loans to loans
1.95%Net loans and leases to deposits
58.70%Net loans and leases to core deposits
76.09%Equity capital to assets
9.19%Core capital (leverage) ratio
9.22%Tier 1 risk-based capital ratio
13.54%Total risk-based capital ratio
Memoranda
$15Average assets
$187,193Average earning assets
$17,164Average equity
$166,785Average loans
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